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## layout# import dataset
#tran <- read.csv(file = './data/transactions.csv')
acc <- read.csv(file ='./data/accounts_analytical.csv')Is there a relationship between a good or bad loan and the time between an account is opened an the loan is created? Is there a specific set of accounts that seem to be at higher or lower risk of defaulting?
acct_creation_date loan_date
fig <- plot_ly( x = acc$acct_creation_date, y = acc$loan_default, type = "scatter")
fig <- fig %>% layout(xaxis = list(title="year"),
yaxis = list(title="loan default"),
title = "Loan default vs. Account open date")
fig## No scatter mode specifed:
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## Call `lifecycle::last_warnings()` to see where this warning was generated.As we can see from above, there is no significant relationship between loan default (good or bad) and time of open account.
fig <- plot_ly(x = acc$loan_date, y = acc$loan_default,type = "scatter",alpha = 0.5,
xaxis = list(title="year"),
yaxis = list(title="loan default"),
title = "Loan default vs. Loan create date"
)
fig <- fig %>% layout( xaxis = list(title="year"),
yaxis = list(title="loan default"),
title = "Loan default vs. Loan create date"
)
fig## No scatter mode specifed:
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## 'type', 'visible', 'showlegend', 'legendgroup', 'opacity', 'name', 'uid', 'ids', 'customdata', 'meta', 'selectedpoints', 'hoverinfo', 'hoverlabel', 'stream', 'transforms', 'uirevision', 'x', 'x0', 'dx', 'y', 'y0', 'dy', 'stackgroup', 'orientation', 'groupnorm', 'stackgaps', 'text', 'texttemplate', 'hovertext', 'mode', 'hoveron', 'hovertemplate', 'line', 'connectgaps', 'cliponaxis', 'fill', 'fillcolor', 'marker', 'selected', 'unselected', 'textposition', 'textfont', 'r', 't', 'error_x', 'error_y', 'xcalendar', 'ycalendar', 'xaxis', 'yaxis', 'idssrc', 'customdatasrc', 'metasrc', 'hoverinfosrc', 'xsrc', 'ysrc', 'textsrc', 'texttemplatesrc', 'hovertextsrc', 'hovertemplatesrc', 'textpositionsrc', 'rsrc', 'tsrc', 'key', 'set', 'frame', 'transforms', '_isNestedKey', '_isSimpleKey', '_isGraticule', '_bbox'Still, there seem to be a relationship between loan default and loan create date. Loan in 1995, 1997 and 1998 may have higher risk of being default.